The best time to invest in a mutual fund is when you have surplus capital and a clear long-term investment objective. The earlier investors begin, the more they can benefit from the power of compound interest.

Even with relatively small monthly contributions, consistency and disciplined investing can help investors accumulate meaningful wealth and achieve their long-term financial goals.

Many investors use dollar-cost averaging (DCA) through monthly contributions to average their cost basis and reduce the impact of market volatility.